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If you smoke you pay a huge premium on health insurance.
Smoking is stupid.
It's one of the reasons why healthcare is so expensive. Lots of money have to be put in so smokers can use expensive breathing treatments to live, only for them to continue smoking. A lot of them will often complain about paying their $25 co-pay for their meds and visits, yet have no problem using that money to buy more than a pack a day. Smoking is cool, that is until you hit your late 30s when your health starts going on a decline and the habit becomes too much to quit. It's a vicious cycle and one of the worst thing anybody can do for their body.